learn which loan option is right for you
Loan Options
Benefits for DSCR
Up to 85% loan to cost on purchase. Up to 80% loan to value (cash out refinance). Terms from 10, 15, 30, and 40 years available. Low interest rates requirements. 550+ (FICO score). Estimated Rent is 1% of loan amount monthly.
Tired of searching for paystubs and w-2s, are you a full time investor and tired of banks telling you no, look no further than our investor friendly DSCR program blurb Our DSCR Product is perfect for Investors looking to hold a long term rental with terms ranging from 10,15,30 and even 40 years our DSCR product is designed to maintain proper cash flow for our clients.
Benefits for FHA
Generally lowest interest rate. Lowest down payment available for personal homes. Often times this is the best option for first time home buyers. Requirements: Credit score of 500+(FICO score) + consistent pay.
Looking for a home to live in? For Qualifying buyers FHA loans are often the best option with the lowest interest rates available and down payments starting at 0 percent, you really can’t go wrong. Did you know often times FHA down payments can be accounted for with seller concessions (looking to obtain max seller concessions, reach out to our qualified real estate agents by clicking qualified real estate agents and they will be happy to help).
Benefits for Ground up Construction
Gives loan assistance for up to 90% of total project costs. Ground up construction loans offer: 12-month and 24-month terms, roll points & fees into loan options, close within 72 hours of clear title, deferred interest options!!! Requirements: Credit score of 660+ (FICO score). Residential 1-4 Unit Properties. Up to 70% of after repair value.
Our new construction loans offer flexible terms tailored to our borrowers’ needs. Whether you’re looking to sell the home after completion or refinance and rent, we’ve got you covered. By lending up to 90% of the total project cost, we help our borrowers retain their capital for other projects.
Benefits for Vacant Land
Benefits for a Vacant Land loan are: 10% down, quick close, build at your own pace. This allows you to purchase land now and build later. Purchasing raw land is one of the best long term investments. Requirements: Credit score of 500+ (FICO score) + 10% down.
A land loan is a financing option used to purchase a parcel of land when you’re not yet ready to build or develop it. Unlike traditional mortgages that fund homes or buildings, land loans focus solely on the land itself.
Benefits for a Home Equity Line of Credit (HELOC) Loan
A Home Equity Line of Credit (HELOC) is a revolving line of credit that lets you borrow against the equity in your home. It works like a credit card—you can draw funds as needed, only pay interest on what you use, and reuse available credit as you repay it.
HELOCs are ideal for home improvements, debt consolidation, or covering unexpected expenses, and often come with lower interest rates than traditional loans.
Benefits for Conventional
With an attractive low interest rate, conventional loans can require less paperwork and can be obtained quicker than government-insured loans. Conventional loans can help cover rehab cost. Requirements: Credit score of 620+ (FICO score) + 36% debt to income ratio.
Conventional loans are a good option for qualifying buyers who are ok with bringing more money to the table with down payments that typically start at 5%. Conventional loans can be a great avenue especially if the home needs work, due to being able to roll renovation cost in the loan.
Benefits for VA
VA loans require 0 percent down payment, low interest rate requirements. You, or your spouse must have served at least 90 consecutive days of active duty during wartime or 181 days of active duty during peacetime. National Guard or Reserves: Generally, you must have served at least 6 years. The property must be your primary residence. VA loans cannot be used for vacation homes or investment properties.
Do you or a spouse meet current VA funding requirements? This is the right option for you, 0% down options available along with low interest rates, could it get any better? As a country it’s our mission to take care of those who protect our freedoms and that’s exactly what the VA program is designed for. Call 404-977-0320 now to see if you or your spouse meets current VA Requirements.
Benefits for USDA
No down payment requirement. Low interest rates requirements. For a USDA loan, the property must be located in an eligible rural or suburban area. Requirements: Credit score of 640+ (FICO score) + your household income must not exceed 115% of the median income for the area, adjusted for the size of your family.
Flexible financial requirements , and no down payment required for USDA loans offers a competitive interest rate, and is designed to help people with moderate incomes to purchase homes in eligible rural or suburban areas. Call 404-977-0320 now to see USDA qualified regions in your area.
Benefits for Commercial Purchase/ Refinance
This option offer up to 75% LTV 5, 7, 10, and 30 year long term options. In the event the property needs rehab, we offer one to two year short term bridge options. Loan amounts from: $100,000-$250 million. Requirements: Credit score of 600+ (FICO score).
Does the property need repairs/renovation? Is the property in perfect condition? We can handle that with terms tailored to borrowers needs. Whether you are looking to purchase or refinance your commercial property, we have the right product for you.
Benefits for a Jumbo Loan
This loan offers low fees, high loan to value lending ratio, purchases or refinances qualify. A Jumbo Loan qualifies as 4+ properties. Requirements: Credit score of 550+ (FICO score).
Looking to purchase/refinance four or more properties while massively saving on lending fees? Jumbo loans are the place for you. They offer the luxury of turning what would have been 4, 10 or 30 different loans into one.